July 31, 2025

 Stonybrook’s Review of the 2025 Personal Lines Marketplace 

For Immediate Release

July 31, 2025

Dear friends and colleagues, 

We are pleased to provide an analysis of the US Personal Auto and Homeowners markets. Both products have needed and successfully achieved rate increases. Wall Street has rewarded their stocks for this effort.

The two product lines reflect their individual underlying forces, with some commonalities, dating back to the effect of the Covid lockdown and subsequent periods of supply chain and inflation disruptions. Other factors include reinsurance costs and loss activity specifically in Homeowners and social inflation specifically in Auto.

Please read the analysis here

We welcome your comments and questions.

Contact: Daniel Browne